Hi All! I am scheduled to babysit for a family tonight, and one of the parents just let me know that they will pay my base rate plus a tip at the end of the night. I've had other families give a tip, but most of the families for whom I babysit don't offer tips in addition to my hourly rate. I'm curious to know if tipping the babysitter is a relatively common practice? I'm also c... More
My in-home daycare is on the more expensive side ($375/week, 8-5, no meals). They charge for all holidays, and take 4 weeks of personal time (unpaid) that amounts to over 6 weeks off a year. They use to give us 2 weeks a year worth of "sick time" where you don't have to pay if you aren't there. (This at least offset some of the incredibly high price) They just announced that t... More
I want to teach my son financial literacy as soon as it’s best for him to grasp the concept. He’s 16 months old currently. I’ve got three questions: 1. What are some signs to look for that it’s the right time for him to start? I don’t want to start too young or too late. 2. What are your recommendations for techniques and reading materials? 3. Perhaps more pressingly: what are your recommen... More
What are you doing with money gifts given to young children? Mine is too young to “save or spend” his own money Sometimes I put it in his 529 account but this year the amount was very minimal.... sometimes I’ve used it to buy kid supplies and needs. Wondering what others do with cash given to kids 5 and under.
I’m a Nanny for a wonderful family. I usually never keep track of my hours because I have a lot on my plate and my Nanny family is usually keeping track. I recently started tracking my hours as to better budget myself before my paycheck arrives. Today I received my paycheck to find several hours worth of pay missing, I went back to my written hours and recounted them and the math was correct, s... More
Before my 10 month old son, I was very financially independent and never relied on anybody for anything. Until I became a stay at home mom. My husband is always very supportive with my decision to stay at home but financially it’s getting difficult. Always having to ask him for money for my and the babies needs makes me feel so worthless. I feel like my decision to be a SAHM has put us in the h... More
Does anyone use coupons for grocery shopping? I feel like this is a dumb question, but I’ve tried websites and looking in the mail for flyers before and think I may be missing something because I rarely find coupons or they don’t seem to offer significant savings (usually I see promos for sales, but not a true “coupon.) I’m not trying to be an extreme couponer, but if it’s easy enough I’m inte... More
My husband and I are having trouble with renting a house. It seems we don't meet the standards needed to rent and although we make enough to pay for a nice home,[my husband and I each own our own companies for over 3 years now, makes $$$ steady income] no-one will give us the time of day because of our low credit. We are young starting up and our family is growing fairly rapidly to still be... More
My husband and I decided we want to move to Washington state from Kansas. It’s a lot more expensive there but we want to be closer to family! Any tips on selling everything/saving? Do’s and don’ts? What was your experience like moving to a different state. Thanks guys!
I want to leave my husband, but I’m too scared to be on my own. I’m currently a SAHM with nothing but a high school diploma. I just don’t see how it’s possible for me to financially support my baby if I leave. I will be able to stay with my mom for a while, but eventually I’d like us to live on our own. What kind of jobs do you single parents have? I know daycare is ridiculously expensive. Thi... More
Hi guys. I’m a single mom. I have SO much going on right now mentally that I feel like Such a mess. My daughters father was abusive so I worry about letting her see him. So far he’s been really distant with her but he says every once in a while that he wants to see her and of course my daughter wants everything to do with that. I don’t know how to handle it. I don’t trust him. I’m also living a... More
We are a family of four and our grocery spending is crazy. Does anyone have any suggestions for shopping cheaper than Costco? I get my paper goods there (paper towels, tissues, toilet paper) and then the frequent foods we eat at home (kids Clif bars, bananas, salads greens and raw almonds to name a few). If Target doesn’t run a gift card deal when I need it, then I buy my diapers and wipes at C... More
How do you deal/handle your emotions when your spouse feels they have helped your family enough, and if anyone asks for anything, the answer is no? Or my spouse said the exact words “what have you sacrificed for my family”. I didn’t even ask if we could lend my father money to float his business, I only told him that my mom told me he wanted to borrow money but she told him not to ask the ... More
Please no rude comments, only constructive responses. Long story— So my mom kicked out my dad and threw out all his stuff with him when I was in high school. My mom basically had her lawyer tell us (6kids) that we couldn’t live with my dad because the law said we had to stay with my mom. That didn’t make sense to us because we knew friends who lived with their dad but we didn’t know enough. An... More
Baby is nearing 1 year old that’s when I plan to wean, and I still have a huge stash of frozen BM. Originally I thought to donate it once she turns 1 year but then I realized, some moms nurse until 2 years or so. So they didn’t switch to whole milk at 1 year, so why would I donate my milk? Right? i can save money by using up my frozen stash after I wean then eventually moving to whole milk.... More